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Question of Money: RSA car insurance doubly at fault

DB writes: I have made two claims on my Royal & Sun Alliance
(RSA) car insurance. Neither was my fault but I have been blamed for both.

The first happened four years ago when I arrived home from working abroad
to find that someone had driven into my car. My neighbour saw the incident
and took the registration number because the driver failed to stop. RSA paid
for the repairs and said it would pursue the other person’s insurer for the
cost.

At renewal six months later, my premium rocketed to £3,064 as the claim had
not been settled. A broker found me a policy costing £1,400, also with RSA.

RSA’s solicitors then told me they were closing my claim file as there was
only a 50/50 chance of recovering the costs from the other side. They
advised RSA to correct the “at fault” status of my claim, which would